Which type of life insurance is typically provided by an employer to employees?

Group life insurance is typically provided by employers to their employees because it covers a group of people under a single policy. This type of insurance is cost-effective and administratively simpler for the employer to manage, as it usually extends coverage to all eligible employees without requiring individual underwriting.

In a group life insurance plan, the employer often pays for the basic coverage, and employees may have the option to purchase additional coverage. This plan offers employees a straightforward benefit as part of their compensation package, providing a safety net for their families in the event of death.

Individual life insurance, on the other hand, is purchased by individuals for themselves and involves individualized underwriting and premiums, making it less common for an employer to provide as a benefit. Whole life insurance and term life insurance can be offered as individual policies, but they are not typically provided as employer-sponsored benefits like group life insurance is. Thus, the prevalence and structure of group life insurance make it the correct answer for employer-provided coverage.